ppi

levyblue2

Hi dont know if anyone can help. Ive just been contacted by a ppi firm telling me i was owed a ppi they then put me through to Halifax who confirmed this. Previously when i contacted Halifax they told i had nothing to claim. The PPI company have listened to my call and are now sending a pack to claim on 2 credit cards am i obligated to continue with this company and if i claim back myself will i be owing them anything even though i havent signed an agreement many thanks for reading

-taff

Check this 'pack' before you sign anything.

How do this firm 'know' that you have a complaint if they can't access your financial history? They can't kow that unles you told them you did.

[Deleted User]

levyblue2 wrote: »

telling me i was owed a ppi

You can't be "owed" a PPI. However, if you had Payment Protection Insurance (PPI) on any of your finance then you can complain about it and you MAY be refunded.
If you haven't completed the "claim pack" sent by the Claims Management Company(CMC), then you can complain direct to the Bank yourself.

levyblue2 wrote: »

they then put me through to Halifax

If you didn't call the Halifax yourself, then this sounds like a scam- especially as Halifax have already told you that you didn't have PPI. How could the Claim company "listen in" to your call?

You need to ring Halifax directly yourself to check again if you had any PPI.

Under no circumstances should you give this firm any money upfront.

magpiecottage

So either they are eavesdropping on your calls to Halifax without Halifax knowing or - more likely - somebody is posing as being from Halifax.

levyblue2

Thank you for your replies the PPI company contacted me saying i was owed a PPI they had the info from the goverment data base they then put me through to Halifax who agreed i was owed 2 credit card PPI and gave me 2 PPI claim no this company now will send me a pack to sign in order to make the claim against the Halifax on my behalf. I would rather claim direct rather than pay their 36% fees iam concerned that as the PPI co have made the contact finding the PPI i would still be obligated to them even if i dont sign the pack thanks guys for reading

[Deleted User]

levyblue2 wrote: »

they had the info from the goverment data base

There is no such thing as a "government data base" of PPI. Even if there was, this company would have no access to it.

You've told us that Halifax have already informed you that you had no PPI. If I were you, I'd be accepting the word of the Bank over and above anyone cold-calling to tell me otherwise.

If you remain unconvinced, contact Halifax again to confirm.

-taff

levyblue2 wrote: »

Thank you for your replies the PPI company contacted me saying i was owed a PPI

A lie

levyblue2 wrote: »

they had the info from the goverment data base

A lie

levyblue2 wrote: »

they then put me through to Halifax

A lie

levyblue2 wrote: »

who agreed i was owed 2 credit card PPI and gave me 2 PPI claim no

A lie

levyblue2 wrote: »

this company now will send me a pack to sign in order to make the claim against the Halifax on my behalf.

They will do this because they will submit false complaints to every financial institution you've told them about

levyblue2 wrote: »

I would rather claim direct rather than pay their 36% fees

You need to find out wehther or not you did have any financial products with PPI. Halifax have already told you you didn't. To find out for sure if you did or not and if there is any paperwork left to find out, send them a SAR and £10.

Otherwise, forget about this phone call. It's just one big lie from beginning to end, it's a scam.